The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$42,956
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,292
−HK$1,357/mo
Today · 4.125%
HK$45,649
baseline
▲ 0.50% · 4.625%
HK$48,427
+HK$2,778/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$91,298/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,788
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,069
−HK$1,301/mo
Today · 4.125%
HK$50,370
baseline
▲ 0.50% · 4.625%
HK$53,025
+HK$2,655/mo
Deposit HK$9.42M · loan HK$9.42M · min. income ≈ HK$100,740/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$706,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,547
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$53,150
−HK$1,629/mo
Today · 4.125%
HK$54,779
baseline
▲ 0.50% · 4.625%
HK$58,113
+HK$3,334/mo
Deposit HK$7.54M · loan HK$11.30M · min. income ≈ HK$109,558/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,345
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$58,883
−HK$1,561/mo
Today · 4.125%
HK$60,444
baseline
▲ 0.50% · 4.625%
HK$63,630
+HK$3,186/mo
Deposit HK$7.54M · loan HK$11.30M · min. income ≈ HK$120,888/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$706,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,138
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$62,009
−HK$1,900/mo
Today · 4.125%
HK$63,909
baseline
▲ 0.50% · 4.625%
HK$67,798
+HK$3,889/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$127,818/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,903
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,697
−HK$1,821/mo
Today · 4.125%
HK$70,518
baseline
▲ 0.50% · 4.625%
HK$74,235
+HK$3,717/mo
Deposit HK$5.65M · loan HK$13.19M · min. income ≈ HK$141,036/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$706,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,320
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,725
−HK$2,444/mo
Today · 4.125%
HK$82,169
baseline
▲ 0.50% · 4.625%
HK$87,169
+HK$5,000/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$164,338/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,018
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$88,325
−HK$2,340/mo
Today · 4.125%
HK$90,665
baseline
▲ 0.50% · 4.625%
HK$95,444
+HK$4,779/mo
Deposit HK$1.88M · loan HK$16.95M · min. income ≈ HK$181,330/mo (50% DSR)
Upfront cash ≈ HK$2.59M (deposit + AVD stamp duty HK$706,430 · Scale 2, in force from 26 Feb 2026)